Skip to content

TEM

Active
Private limited companyfounded 1995active for 31 yearsJ. De Ridderlaan 109, 1780 Wemmel, BelgiumKBO/BCE: BE 0455.217.436
Summary

The computed 12-month bankruptcy probability of TEM is 2.1% (moderate). The 2024 annual accounts show equity of €172,125 and a net result of -€14,182. Equity remains stable across the filed financial years (±0.2% per year). Its solvency ranks better than 76% of 231 sector peers (NACE 33, financial year 2024). The company has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
TEMActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Repair and maintenance of fabricated metal products
NACE 33110General construction of residential buildings NACE 41001
3rd oldest company in Wemmel, Manufacturing sector1 site
Size
€267,012total assets 2024
Equity
€172,125
Loss
-€14,182
Financial health
53 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
2.1%
Structure
2025 accounts not filed, 86 days past the deadline1 of 8 deeds summarised
Why 53raises riskFigures for financial year 2024 (filed 03-10-2025)1 financial year not filed after the legal deadline; last filed accounts filed 56 days late; 2 of the last 3 latelowers riskFounded in 1995Equity €172,125 (64.5% of total assets)Show the evidence

Checked score

Score 2024
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 42% of its sector peers (NACE 33, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2023
Strong
Solvency 89+23
equity 64.5% of total assets
Liquidity 52+19
short-term debt 12.7% · cash 3.0%
Profitability 62-8
return on assets -5.3%
Bankruptcy probability, 12 months
2.1% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (2,387 companies, NACE 33, micro)
Last 24 months 11-2024: 1.1% 12-2024: 1.1%● unchanged vs 11-2024 01-2025: 1.1%● unchanged vs 12-2024 02-2025: 1.1%● unchanged vs 01-2025 03-2025: 1.1%● unchanged vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025 05-2025: 1.0%▼ -0.1 percentage points vs 04-2025 06-2025: 1.0%● unchanged vs 05-2025lowest value 07-2025: 1.2%▲ +0.2 percentage points vs 06-2025 08-2025: 1.6%▲ +0.4 percentage points vs 07-2025 09-2025: 1.7%▲ +0.1 percentage points vs 08-2025 10-2025: 2.2%▲ +0.5 percentage points vs 09-2025highest value 11-2025: 1.3%▼ -0.9 percentage points vs 10-2025 12-2025: 1.3%● unchanged vs 11-2025 01-2026: 1.3%● unchanged vs 12-2025 02-2026: 1.3%● unchanged vs 01-2026 03-2026: 1.3%● unchanged vs 02-2026 04-2026: 1.3%● unchanged vs 03-2026 05-2026: 1.2%▼ -0.1 percentage points vs 04-2026 06-2026: 1.2%● unchanged vs 05-2026 07-2026: 1.3%▲ +0.1 percentage points vs 06-2026 08-2026: 1.7%▲ +0.4 percentage points vs 07-2026 09-2026: 1.7%● unchanged vs 08-2026 10-2026: 2.1%▲ +0.4 percentage points vs 09-2026
Credit of up to €9,000 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Liquidity ample (current ratio 3.25, compared with 1.39 in 2023, above the usual 1.5; short-term debt: 12.7% and cash: 3% of total assets), and 35.5% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 33, micro): better than 72% on solvency, 47% on liquidity, 26% on profitability and 24% on growth.

The bankruptcy probability was computed on 24-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.
lowers riskraises risk
lowers risk · Founded in 1995
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Figures for financial year 2024 (filed 03-10-2025)
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; last filed accounts filed 56 days late; 2 of the last 3 late
NBB · filings
lowers risk · Equity €172,125 (64.5% of total assets)
NBB · annual accounts
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 86 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline25-10-2026 today
raises risk · 2024 accounts filed 56 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
56 days late
2023
82 days late
2022
20 days early
2021
64 days late
2020
180 days late
2019
115 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 80 days after the deadline; the sector median (NACE 33) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · full…
  2. Liquidity more than doubledcurrent ratio 3.25
  3. Annual accounts filedfinancial year 2023 · full…

Key points

  • Caution: 2025 accounts not fileddeadline was 31-07-2026 86 days past the deadline View
  • Positive: 3rd oldest company in Wemmel, Manufacturing sectorin the Checked rankings No. 3 View
  • Active since 1995founded 03-05-1995 31 years View

By topic

Financials

Financial year
2024
Total assets
€267,012
Loss
-€14,182
Solvency
64.5%
Go to Financials

Timeline

Events
35
Since
1996
  1. 26-01-2024Legal-form change · Resignations & appointments
  2. 11-07-2023Annual accounts filed
  3. 31-12-2022Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Repair and maintenance of fabricated metal productsNACE 33110
Founded
03-05-1995
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
30
Who signs
Each director alone
Annual meeting
First Thursday of May at 18:00
Purpose
“De in- en verkoop van elektrische apparatuur,groothandel en detailhandel; Alle elektrische…” (deed in Dutch)
Go to Articles of association

Key facts about TEM

What is the company number of TEM?
0455.217.436. In Belgium the VAT number is the company number with BE in front: BE 0455.217.436.
Where is TEM based?
The registered office is at J. De Ridderlaan 109, 1780 Wemmel.Company details
What does TEM do?
According to the KBO register, the main activity is repair and maintenance of fabricated metal products (NACE 33110).
What is the legal form of TEM?
Private limited company (BV).
When was TEM founded?
On 03-05-1995.
Is TEM still active?
Yes, TEM is an active enterprise in the KBO register.
What is the turnover of TEM?
€1.0m in financial year 2018, according to the filed annual accounts.Financials
Is TEM profitable?
In financial year 2024, TEM made a loss of €14,182.
Where can I find the annual accounts of TEM?
TEM filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2024.

Companies related to TEM

Go further with this company

How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure